Question
Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years?
I am currently receiving LTD benefits, but I want to know why a federal judges decision for total disability isn’t accepted by Lincoln Financial. I have had 4 extensive back surgeries and I am fused from L1 to S1. I suffer from chronic crushing, fatiguing pain. I have a chronic pain doc, and yet every 2 to 3 months I’m looking at having my benefits challenged. What rights do I have? I am suppose to be able to have my SSDI supplemented until age 65, yet I’m only 56. Do I have to struggle with them and the uncertainty of continued benefit for the next 9 years? Would I be a candidate for a lump sum payout?
Answer
Sandra, I am sorry to hear of the issues that Lincoln is giving you. Unfortunately, while Lincoln has to take into account your approval of SSDI benefits by the SSA, they are not bound by that decision and they can make an independent decision. So yes, unfortunately, your fight with them will continue. It is important to always keep them well feed with additional “proof” of your claim. Proof is most often in the form of medical documentation, support from medical providers and updated testing. Regarding a lump sum settlement, it certainly sounds like you would be a candidate for such. We specialize in getting the most out of the insurance companies. Please contact us so that we can discuss this potential option with you.
